CN113487404A - Agricultural credit financing guarantee service platform based on block chain - Google Patents
Agricultural credit financing guarantee service platform based on block chain Download PDFInfo
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Abstract
The invention relates to the technical field of block chains, in particular to an agricultural credit financing guarantee service platform based on the block chains, which comprises: the plurality of planting data stations are accessed to planting areas of a plurality of farmers; the service data stations are respectively accessed to a bank, a guarantee agency, a notarization department and a trading market; the system comprises a farmer client, a planting data station and a service data station, wherein the farmer client submits a loan application and a guarantee application to the planting data station through the farmer client, and the planting data station respectively forwards the loan application and the guarantee application to the service data station corresponding to a bank and a guarantee institution; and the business client side inputs the planting data and the business data of the peasant household and outputs the planting data and the business data as credit limits, and the guarantee model inputs the planting data of the peasant household and outputs the planting data as guarantee limits. The substantial effects of the invention are as follows: the authenticity of data is guaranteed through block chain deposit certificates, strict and unified organization is not needed, and funds can quickly and accurately enter agricultural production.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to an agricultural credit financing guarantee service platform based on a block chain.
Background
With the continuous promotion of the urbanization of the information-based construction, people feel more and more convenience brought by the information-based construction in daily life and production and operation. The information-based construction not only facilitates living and living of people, but also provides rich opportunity for establishing cooperation among production menstruation persons and powerfully promotes economic development. But in vast rural areas, the informatization construction has larger resistance and the informatization degree is still lower. Agriculture is a fundamental industry for supporting national economic construction and development. The grain safety problem concerned by the healthy and stable development of agriculture is an important civil industry which is concerned and managed by the nation. Agricultural arable land in China is limited in area, and the unit area production capacity is still to be improved compared with developed countries. Agricultural production urgently requires the addition of more specialized and modern participants and a more scientific production and operation mode of organization. Such as building a greenhouse, purchasing more advanced agricultural machinery, building an agricultural environment monitoring system and participating in agricultural training. Or establishing a corporate planting management model or an operation model of a rural cooperative. These actions require a large amount of capital support. However, in rural areas, due to low informatization degree, various types of data are seriously lost, the credibility is not high, the credit risk is large, and the efficiency is low. The capital is difficult to enter effectively, and the development of agriculture is hindered.
Chinese patent CN110838059A, published as 2020, 2 month and 25 days, discloses a block chain supply chain end rural credit system establishment system, which comprises an agricultural information cloud platform, an agricultural information supervision cloud platform, an agricultural resource supply chain platform, a block chain platform and a rural supply chain end credit system platform, wherein data key nodes of the agricultural information cloud platform and the agricultural information supervision cloud platform are uploaded to the block chain platform to ensure that the data are not falsifiable, key data of buying, selling, settlement, running and inventory and the like of the agricultural resource supply chain platform are uploaded to the block chain platform to ensure that the data are not falsifiable, and after auditing, loan issuing and repayment conditions of a borrowed party are recorded on the block chain platform and cannot be falsified. Although the technical scheme breaks through the traditional information island and has non-tamper-resistance property, the number of platforms required to be established is too large, and platform data is required to be complete to a certain degree to be capable of effectively providing services. Because the situation and the enthusiasm of each farmer in the rural areas are different, strong organization strength is needed to realize the basic integrity of the platform data. Which is also the most difficult link to achieve at present. Therefore, the technical scheme is difficult to form basically complete platform data and provide services quickly and effectively.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: at present, the credit informatization degree in agricultural production is low, and the credit business is slowly developed. The agricultural credit financing guarantee service platform based on the block chain is convenient to construct, can quickly and effectively provide data support for credit service, and is beneficial to improving the efficiency and scale of credit service development.
In order to solve the technical problems, the technical scheme adopted by the invention is as follows: an agricultural credit financing guarantee service platform based on a blockchain, comprising: the planting data stations are accessed to planting areas of a plurality of farmers, unique identifiers are distributed to each planting area and are associated with the farmers, the planting data of the planting areas are stored, and evidence storage and fixation are carried out through a block chain; the system comprises a plurality of service data stations, a plurality of planting data stations and a plurality of guarantee agency, notarization departments and trading markets, wherein the service data stations are respectively accessed to a bank, a guarantee agency, a notarization department and a trading market, store the service data of a farmer in the bank, the guarantee agency, the notarization department and the trading market, deposit and fix the service data through a block chain, and the plurality of service data stations and the planting data stations are in communication connection; the system comprises a farmer client side, a planting data station and a service data station, wherein the farmer client side is connected with the planting data station, a farmer submits a loan application and a guarantee application to the planting data station through the farmer client side, and the planting data station respectively forwards the loan application and the guarantee application to the service data station corresponding to a bank and a guarantee organization; the business client is connected with the business data station and used for receiving credit models and guarantee models submitted by a credit financing mechanism and a guarantee mechanism, the input of the credit models is planting data and business data of farmers, the output of the credit models is a credit line, the input of the guarantee model is planting data of the farmers, the output of the guarantee model is a guarantee line, the guarantee mechanism carries out guarantee business according to the output of the guarantee model, and the credit financing mechanism handles loan and financing business for the farmers according to the output of the credit models.
Preferably, the planting data station and the business data station are both provided with a virtual wallet on a block chain, a plurality of token coins are prestored in a virtual wallet of the planting data station, the planting data station provides a virtual wallet on a block chain for each farmer, the business data station sets up a virtual wallet for the bank, after the planting data station executes a credit model to obtain a credit limit, transferring the token matched with the credit limit into a virtual wallet of the corresponding farmer through transaction, acquiring the credit output by the credit model by a bank through inquiring the transaction record of the blockchain or the balance of the virtual wallet of the farmer, performing loan business according to the credit limit, when the bank issues the loan, the farmer transfers the token matched with the bank issued loan into the virtual wallet of the bank through the farmer client, when the peasant household repays, the bank transfers the token corresponding to the repayment of the peasant household into a virtual wallet of the planting data station accessed by the peasant household.
Preferably, the credit agency and the financing agency set up virtual wallets on the block chain through the business client, offer loan or financing service for the farmer according to the token balance of the virtual wallets of the farmer, when the credit agency or the financing agency delivers loan or financing funds to the farmer, the farmer transfers the corresponding tokens in the virtual wallets to the virtual wallets of the credit agency or the financing agency, when the farmer repays, the credit agency or the financing agency transfers the tokens corresponding to the repayment of the farmer to the virtual wallets of the farmer access planting data station.
Preferably, the planting data comprises static data and dynamic data, the static data comprises planting area, crop species, crop seed species, geographical position of a planting area and climate type of the planting area, the dynamic data comprises air temperature and humidity, soil pH value, wind speed and illumination, the static data is input through a farmer client, the dynamic data is acquired through a sensor arranged in the planting area, and the sensor periodically sends a monitoring value to a planting data station.
Preferably, the planting data station runs with an authentication model, the authentication model calls static data input by a farmer and establishes encrypted communication with a trading market to obtain a farmer seed purchase record, if a planting area crop seed variety input by the farmer is matched with the seed purchase record recorded by the trading market, the authentication is passed, otherwise, the corresponding static data is deleted and the farmer is required to submit the corresponding static data through a notarization place; the business data station is further arranged at the government of the villages and towns, the distinguishing model calls the planting areas of all the farmer famous planting areas in the villages and towns, the planting areas are compared with the total planting areas of the villages and the towns, if the difference is smaller than a preset threshold value, the planting areas of all the farmer planting areas are distinguished to pass, otherwise, corresponding static data are deleted, the farmer is required to request the area of the village and town government organization planting areas to be input into the corresponding business data station, and the total planting areas of the villages and the towns are provided to the business data station by the government of the villages and the towns.
Preferably, the planting data station and the service data station both comprise a data storage module and a data evidence storage module, the service data station is associated with a service type, a service participant and a timestamp for the service data, the data storage module is provided with a plurality of data tracks, the data tracks adopt a sequential storage structure, the planting data station randomly selects one data track for storage after associating a planting area identifier with the planting data and the timestamp, the service data station randomly selects one data track for storage after associating the service type, the service participant and the timestamp, the data storage module establishes evidence storage points on each data track in a first period, the evidence storage points occupy a storage space with a preset length, hash values are extracted from data in the last evidence storage point and data between the two evidence storage points together to serve as data hash values, and the data hash values are stored in the latest evidence storage points, and the data evidence storage module extracts the hash values of the data hash values in the latest evidence storage points of all the data tracks together in a second period to serve as evidence storage hash values, uploads the evidence storage hash values to the block chain for storage, and obtains corresponding block heights and block hash values to store the block heights and the block hash values in the latest evidence storage points of all the data tracks.
Preferably, the data storage module is further provided with backup tracks, the backup tracks correspond to the data tracks one by one, when the data tracks establish the evidence storage points, the backup tracks synchronously establish identification points, and data between the two latest evidence storage points of the data tracks are copied between the two corresponding identification points; the data evidence storing module cuts the data between the two identification points of the backup track into subdata according to a preset length, the hash value of the data between the two latest identification points of the backup track is recorded as an identification hash value, and the data evidence storing module exchanges subdata between the backup tracks so that the tail N bits of the identification hash values of all the exchanged backup tracks have the same value.
Preferably, the backup tracks have sequence numbers, and the data evidence storage module exchanges sub-data between the backup tracks, so that hash values extracted together with the sequence numbers of data between two latest identification points of the backup tracks after the sub-data exchange are consistent with the sequence of the sequence numbers of the backup tracks. If the sequence number of the backup track is 01, after the sub-data exchange, the hash value extracted by the data between the two latest identification points of the backup track with the number 01 and the sequence number 01 is smaller than the hash value extracted by the data between the two latest identification points of the backup track with the number 02 and the sequence number 02. If the performance of the farmer data station is sufficient or the number of farmer accessed to the farmer data station is small, the exchanged subdata can be required to simultaneously meet the requirement of the order in size, and the N bits at the tail end are the same. Since the value of N should not be too large, the too large value of N will result in no solution. When the value of N is limited, the difficulty is improved by simultaneously requiring that the N bits at the tail end are the same and the sizes are in accordance with the sequence. The verification is also simpler and quicker.
Preferably, the N has an initial value, if the data storage module completes the exchange of the sub-data within a preset time, the value of N is increased by 1, the sub-data exchange is performed again until the total time of the sub-data exchange is over a preset threshold, if N is still the initial value within the preset time and the sub-data exchange is still not completed, all the sub-data are cut off into smaller sub-data, the sub-data are exchanged again and the time is re-counted, and when the sub-data are obtained by cutting off each time, the value of N is re-assigned to the initial value.
The substantial effects of the invention are as follows: 1) the data is accessed by taking a single farmer as a unit, and the authenticity of the data is ensured through block chain storage, so that the access limit of the platform is small, and the platform is easy to popularize and construct in a plurality of regions; 2) the credit model and the guarantee model have different versions, are suitable for farmers with different data integrity and data formats, can also rapidly develop business without strictly unifying the data format in the later period, can accelerate construction, and enables funds to rapidly and accurately enter agricultural production; 3) the credit transaction process is recorded through the block chain, so that the authenticity of data is guaranteed, and the safety of credit is improved; 4) the method is accessed to notarization departments and village and town governments, is beneficial to improving the safety and normalization of agricultural credit, and reduces bad account rate.
Drawings
Fig. 1 is a schematic structural diagram of an agricultural credit financing guarantee service platform according to an embodiment.
FIG. 2 is a diagram illustrating a transfer path of a virtual wallet according to an embodiment.
Fig. 3 is a schematic diagram of planting data according to an embodiment.
Fig. 4 is a schematic diagram illustrating operation of a data verification module according to an embodiment.
Wherein: 10. planting area, 11, virtual wallet of farmer, 12, static data, 13, dynamic data, 101, planting area, 102, crop type, 103, crop seed variety, 104, geographical location of planting area, 105, climate type of planting area, 106, air temperature and humidity, 107, soil temperature and humidity, 108, soil acidity and alkalinity, 109, wind speed, 110, illumination, 20, farmer client, 30, planting data station, 31, virtual wallet of planting data station, 40, business data station, 41, bank, 411, virtual wallet of bank, 42, guaranty institution, 43, notarization department, 44, trading market, 50, business client, 60, block chain, 71, deposit point, 72, data track, 73, subdata, 74, identification point, 75, backup track.
Detailed Description
The following provides a more detailed description of the present invention, with reference to the accompanying drawings.
The first embodiment is as follows:
an agricultural credit financing guarantee service platform based on a block chain, please refer to fig. 1, the platform includes: the planting data stations 30 are connected to the planting areas 10 of the farmers, unique identifiers are distributed to the planting areas 10, the planting areas are associated with the farmers, the planting data of the planting areas 10 are stored, and the evidence is stored and fixed through the block chain 60; the plurality of business data stations 40 are respectively accessed to the bank 41, the guarantee agency 42, the notarization department 43 and the trading market 44, store the business data of the peasant household in the bank 41, the guarantee agency 42, the notarization department 43 and the trading market 44, and store and fix the business data through the block chain 60, and communication connection is established between the plurality of business data stations 40 and the planting data station 30; the farmer client 20 is connected with the planting data station 30, the farmer submits loan application and guarantee application to the planting data station 30 through the farmer client 20, and the planting data station 30 forwards the loan application and the guarantee application to the business data stations 40 corresponding to the bank 41 and the guarantee agency 42 respectively; and the service client 50 is connected with the service data station 40 and is used for receiving the credit model and the guarantee model submitted by the credit financing institution and the guarantee institution 42, the input of the credit model is the planting data and the service data of the farmer, the output of the credit model is a credit line, the input of the guarantee model is the planting data of the farmer, the output of the guarantee line is a guarantee line, the guarantee institution 42 carries out the guarantee service according to the output of the guarantee model, and the credit financing institution handles the loan and financing service for the farmer according to the output of the credit model. The planting data of farmers, credit data of banks 41, guarantee data of guarantee institutions 42 and notarization data of notarization places 43 are brought into the same platform for management, data islands of various services are opened, data circulation is constructed, data is prevented from being tampered by means of block chains 60, benefits of service participation parties are guaranteed, and service risks are reduced.
Referring to fig. 2, a virtual wallet is provided on a blockchain 60 for each of a plant data station 30 and a business data station 40, the virtual wallet of the plant data station 30 is pre-stored with a plurality of tokens, the plant data station 30 is provided with a virtual wallet on the blockchain 60 for each farmer, the business data station 40 is provided with a virtual wallet for a bank 41, the plant data station 30 executes a credit model to obtain a credit limit, the tokens matched with the credit limit are transferred to the farmer virtual wallet 11 of the corresponding farmer through a transaction, the bank 41 learns the credit output by the credit model by inquiring the transaction record of the blockchain 60 or the balance of the farmer virtual wallet 11, and performs a loan service according to the credit limit, when the bank 41 issues a loan, the farmer transfers the tokens matched with the issuance loan of the bank 41 to the virtual wallet 411 of the bank 41 through the farmer client 20, when the farmer returns, the bank 41 transfers the tokens corresponding to the farmer to access the virtual money of the plant data station 30 And a package 31. The property that the transaction on the block chain 60 can not be tampered is utilized to record loan issuance and repayment, so that all parties involved in the business can obtain real loan and repayment data, and the trust degree between all parties is improved.
The credit agency and the financing agency set up virtual wallets on the block chain 60 through the business client 50, provide loan or financing service for the farmer according to the token balance of the virtual wallets of the farmer, when the credit agency or the financing agency delivers loan or financing funds to the farmer, the farmer transfers the corresponding tokens in the virtual wallets to the virtual wallets of the credit agency or the financing agency, and when the farmer repays, the credit agency or the financing agency transfers the tokens corresponding to the repayment of the farmer to the virtual wallets of the farmer access planting data station 30. By transferring tokens on the blockchain 60, the granted limit of the farmer is represented, so that a third-party credit agency or a financing agency can also easily inquire the transaction record of the blockchain 60 to obtain a credit limit and a financing limit which can be low in risk and are provided for the farmer, and the credit limit and the financing limit are beneficial to the inflow of funds into agricultural production and the agricultural development is promoted.
The planting data comprises static data 12 and dynamic data 13, please refer to fig. 3, the static data 12 comprises a planting area 101, a crop type 102, a crop seed variety 103, a planting area geographical position 104 and a planting area climate type 105, the dynamic data 13 comprises air temperature and humidity 106, soil temperature and humidity 107, soil pH 108, wind speed 109 and illumination 110, the static data 12 is input through a farmer client 20, the dynamic data 13 is acquired through a sensor arranged in a planting area 10, and the sensor periodically sends a monitoring value to a planting data station 30 accessed by the farmer. Analyzing the illumination 110 intensity data in combination with the timestamp can obtain the illumination 110 start-stop time and the illumination 110 duration. The data of the planting area 10 is collected to predict the yield of crops before the crops are immature, when the farmers apply for loan, the predicted yield of the immature crops in the planting area 10 and the further predicted income can be calculated into the mortgageable assets of the farmers, and the credit line of the farmers is improved. The planting area 10 refers to a planting area 10 belonging to the same farmer and continuously planting the same variety of crops, and management and cultivation measures in the planting area 10 are the same or basically the same. The prediction of crop yield based on growth environment is the prior art in the field, such as growth models disclosed in agricultural research institutes and institutions. [1] senkymin, Yangjingyu, Tatan, and the like, a CERES corn growth model is used for predicting the formation of the biological yield of high-quality protein corn [ J ]. the university of agriculture in southwest, proceedings of 2001, 23(1):1-3. Jilin province spring corn yield potential and yield difference based on corn growth model study [ D ] jilin university, 2016 "provided a growth model that predicted yield. The crop quality is used for predicting the selling price of the crops. Therefore, the risk of credit can be reduced, and the farmer can be helped to obtain more loan lines.
The planting data station 30 runs with an authentication model, the authentication model calls static data 12 input by a farmer and establishes encrypted communication with the trading market 44 to obtain a farmer seed purchase record, if a planting area 101 crop seed variety 103 input by the farmer is matched with the seed purchase record recorded by the trading market 44, the authentication is passed, otherwise, the corresponding static data 12 is deleted and the farmer is required to submit the corresponding static data 12 through a notarization department 43; the business data station 40 is further arranged at the government of the villages and towns, the distinguishing model calls the planting areas 101 of all the farmer famous planting areas 10 in the villages and towns, the planting areas 101 are compared with the total planting area 101 of the villages and the towns, if the difference is smaller than a preset threshold value, the planting areas 101 of all the farmer planting areas 10 are distinguished and passed, otherwise, the corresponding static data 12 are deleted, the farmer requests the area of the village and town government organization planting area 10 to be input into the corresponding business data station 40, and the total planting area 101 of the villages and the towns is provided to the business data station 40 by the government. The village and town governments refer to the village committee and the town governments and are determined by the scale of the farmers who access the planting data station 30. If one planting data station 30 is accessed to peasant households in the entire town, the town government refers to the town government, and if only one village is accessed, the town government refers to the village committee.
The planting data station 30 and the service data station 40 both comprise a data storage module and a data evidence storage module, the service data station 40 associates service types, service participants and timestamps for service data, please refer to fig. 4, the data storage module is provided with a plurality of data tracks 72, the data tracks 72 adopt a sequential storage structure, the planting data station 30 randomly selects one data track 72 for storage after identifying and timestamping a planting data association planting area 10, the service data station 40 randomly selects one data track 72 for storage after associating the service types, the service participants and the timestamps, the data storage module establishes evidence storage points 71 on each data track 72 in a first period, the evidence storage points 71 occupy a storage space with a preset length, hash values are extracted together from data in the last evidence storage point 71 and data between two evidence storage points 71 to serve as data hash values, and are stored in the latest evidence storage points 71, the data certification storage module extracts hash values from the data hash values in the latest certification storage points 71 of all the data tracks 72 together in the second period, and the hash values are used as certification storage hash values and uploaded to the block chain 60 for storage, so that the corresponding block heights and block hash values are obtained and stored in the latest certification storage points 71 of each data track 72.
The data storage module is also provided with backup tracks 75, the backup tracks 75 are in one-to-one correspondence with the data tracks 72, when the data tracks 72 establish the evidence storage points 71, the backup tracks 75 synchronously establish the identification points 74, and the data between the two latest evidence storage points 71 of the data tracks 72 are copied between the two corresponding identification points 74; the data evidence storage module cuts the data between the two identification points 74 of the backup track 75 into the subdata 73 according to a preset length, the hash value of the data between the two latest identification points 74 of the backup track 75 is recorded as an identification hash value, and the data evidence storage module exchanges the subdata 73 between the backup tracks 75, so that the values of the last N bits of the identification hash values of all the exchanged backup tracks 75 are the same. If a certain identification hash value is: 3ba17e89ea3e6f33490e1c505e6c4291f3f61024e2606d88558eb9a757939da6If the value of N is three, the last three-bit value of the identifier hash values of other backup tracks can only be da6, and if the sub-data 73 exchange method meeting the condition is not found within the preset time, the sub-data 73 is further broken into smaller sub-data 73, so as to improve the ability of exchanging the sub-data 73Possible combinations of identifying hash values can be obtained. The probability that the last three values are a certain value is about one fourth of a thousand, the probability that the last three values of the identification hash values of the plurality of backup tracks are the same is m times of the m power of one fourth of a thousand, and m is the number of the backup tracks. As long as the number of the sub-data 73 is sufficiently large, i.e., much larger than four thousand, a sub-data 73 exchange method that meets the condition can be found. The upload block chain 60 needs to consume money, so that the period of uploading the block chain 60 needs to be increased as much as possible. The use of backup tracks not only makes the scattered sub-data 73 difficult to retrieve, but also to accurately modify. And workload certification is established, so that the time required for leveling the tampering trace after data tampering can be greatly prolonged. The reliability of the data is improved. And meanwhile, incremental data are backed up, so that the safety of the data is ensured.
N has an initial value, if the data storage module completes the exchange of the subdata 73 within a preset time, the value of N is added with 1, the subdata 73 is exchanged again until the total time of completing the exchange of the subdata 73 exceeds a preset threshold, if N is still the initial value within the preset time and the subdata 73 exchange is still not completed, the subdata 73 is completely cut off into smaller subdata 73, the subdata 73 is exchanged again and the time is reset, and when the subdata 73 is obtained by cutting off each time, the value of N is re-assigned to the initial value.
The beneficial technical effects of this embodiment do: the data is accessed by taking a single farmer as a unit, and the authenticity of the data is guaranteed through the block chain 60, so that the limitation of accessing the platform is small, and the platform is easy to popularize and construct in a plurality of regions. The credit model and the guarantee model have different versions, are suitable for farmers with different data integrity degrees and data formats, can also quickly develop business without strictly unifying the data format in the later period, can accelerate construction, enables funds to quickly and accurately enter agricultural production, improves the safety of credit, and reduces bad account rate.
Example two:
an agricultural credit financing guarantee service platform based on a block chain comprises a plurality of planting data stations 30, wherein one planting data station 30 is accessed to a village where a farmer A is located. The planting data of the farmland reserved by the farmer A is all accessed to the planting data station 30. A bank 41, a warranty agency 42, a notary 43 and a trading market 44 each have access to a service data station 40.
Several planting areas 10 of farmer A are planted with corn in the middle of growth, which is not yet mature. The farmer A wants to borrow 20 ten thousand yuan, and is used for investing and building a greenhouse. The vegetables are planted in the autumn and winter in an out-of-season manner, and income is earned. The houses of the peasant household armor are not commodity houses, can not be circulated, and therefore can not be mortgage. Farmers a have car property and security assets available for mortgage. The first-to-second-hand vehicle trading market 44 then performs value evaluation on the famous vehicle products, and obtains a value evaluation report form.
The farmer A carries the value assessment report sheet and the securities asset certification of the vehicle production to the notarization department 43 for notarization. The notarization department 43 uploads the notarized content to its connected business data station 40 through the business client 50, the value of the vehicle property value assessment report and the security assets is 17 ten thousand yuan in total, and there is a gap from the demand of 20 ten thousand yuan loan.
The first farmer initiates a guarantee request to the guarantee mechanism 42 through the first farmer client 20, the guarantee mechanism 42 sends the guarantee model to the service data station 40 through the service client 50, and the service data station 40 sends the guarantee model to the planting data station 30 accessed by the first farmer for execution. The guarantee model calls a planting area 10 under the name of a farmer A, the growth environment data of the planting area 10 is substituted into the corn growth model to obtain the predicted yield of the corn, the predicted income of the corn is 4 ten thousand yuan according to the price of the corn in the past year, and then the guarantee model obtains a result with the guarantee amount of 4 ten thousand yuan and feeds the result back to the guarantee mechanism 42. The security institution 42 handles security procedures and provides 4 ten thousand yuan of security for the farmer nail. And stored in the service data station 40 accessed by the vouching authority 42.
The farmer A initiates a loan request of 20 ten thousand yuan to the bank 41 through the farmer client 20. The bank 41 submits the credit model to the business data station 40 through the business client 50, and the business data station 40 sends the credit model to the planting data station 30 accessed by the farmer A for execution. The planting data station 30 and the business data station 40 accessed by the notarization department 43 obtain the result of credit line of 17 ten thousand through safe multiparty calculation. Then the planting data station 30 and the service data station 40 accessed by the guarantee institution 42 establish safe multi-party calculation to obtain the result of the credit line of 4 ten thousands. The credit lines of the two channels are added to obtain a total credit line of 21 ten thousand yuan. The planting data station 30 transfers the token corresponding to the 21 ten thousand dollars of credit line to the farmer's virtual wallet 11. The bank 41 finds out that the credit limit is larger than the loan amount applied by the first farmer by inquiring the virtual wallet 11 of the farmer. Thus deciding to transact the loan transaction and issuing a 20 ten thousand yuan loan to the first. The farmer nail transfers the token corresponding to 20 ten thousand dollars to the bank virtual wallet 411. When the first farmer pays, the bank 41 directly transfers the corresponding token to the virtual wallet of the planting data station 30 accessed by the first farmer, and the fund transfer and the credible accounting are completed.
In the process that the first farmer finishes applying for the loan, although the credit model of the bank 41 acquires the asset information of the first farmer, the bank 41 itself does not acquire any specific asset information of the first farmer. Therefore, the private data of the farmer beetles are effectively protected. If the first farmer initiates a loan request to the multiple banks 41 to make a loan to the bank 41 with the best interest rate, the first farmer client 20 only needs to initiate a loan request signal to the multiple banks 41. And each bank 41 is not required to submit application materials, so that the efficiency of applying for loan is greatly improved.
The above-described embodiments are only preferred embodiments of the present invention, and are not intended to limit the present invention in any way, and other variations and modifications may be made without departing from the spirit of the invention as set forth in the claims.
Claims (8)
1. An agricultural credit financing guarantee service platform based on a block chain is characterized in that,
the method comprises the following steps:
the planting data stations are accessed to planting areas of a plurality of farmers, unique identifiers are distributed to each planting area and are associated with the farmers, the planting data of the planting areas are stored, and evidence storage and fixation are carried out through a block chain;
the system comprises a plurality of service data stations, a plurality of planting data stations and a plurality of guarantee agency, notarization departments and trading markets, wherein the service data stations are respectively accessed to a bank, a guarantee agency, a notarization department and a trading market, store the service data of a farmer in the bank, the guarantee agency, the notarization department and the trading market, deposit and fix the service data through a block chain, and the plurality of service data stations and the planting data stations are in communication connection;
the system comprises a farmer client side, a planting data station and a service data station, wherein the farmer client side is connected with the planting data station, a farmer submits a loan application and a guarantee application to the planting data station through the farmer client side, and the planting data station respectively forwards the loan application and the guarantee application to the service data station corresponding to a bank and a guarantee organization;
the business client is connected with the business data station and used for receiving credit models and guarantee models submitted by a credit financing mechanism and a guarantee mechanism, the input of the credit models is planting data and business data of farmers, the output of the credit models is a credit line, the input of the guarantee model is planting data of the farmers, the output of the guarantee model is a guarantee line, the guarantee mechanism carries out guarantee business according to the output of the guarantee model, and the credit financing mechanism handles loan and financing business for the farmers according to the output of the credit models.
2. The blockchain-based agricultural credit financing guaranty service platform as claimed in claim 1,
the planting data station is provided with a virtual wallet on the block chain, a plurality of tokens are prestored in the virtual wallet of the planting data station, the planting data station sets up a virtual wallet for each farmer on the block chain, the service data station sets up a virtual wallet for the bank, after the planting data station executes the credit model to obtain the credit limit, the token matched with the credit limit is transferred into the virtual wallet of the corresponding farmer through transaction, the bank obtains the credit output by the credit model by inquiring the block chain transaction record or the balance of the virtual wallet of the farmer and carries out loan operation according to the credit limit, when the bank issues the loan, the farmer transfers the token matched with the bank issued loan into the virtual wallet of the bank through the farmer client, when the peasant household repays, the bank transfers the token corresponding to the repayment of the peasant household into a virtual wallet of the planting data station accessed by the peasant household.
3. The blockchain-based agricultural credit financing guarantee service platform as claimed in claim 2,
the credit agency and the financing agency set up virtual wallets on the block chain through the business client, loan or financing service is provided for the farmer according to the token balance of the virtual wallets of the farmer, when the credit agency or the financing agency delivers loan or financing funds to the farmer, the farmer transfers the corresponding tokens in the virtual wallets to the virtual wallets of the credit agency or the financing agency, and when the farmer repays, the credit agency or the financing agency transfers the tokens corresponding to the repayment of the farmer to the virtual wallets of the farmer access planting data station.
4. The block chain-based agricultural credit financing guarantee service platform as claimed in any one of claims 1 to 3,
the planting data comprises static data and dynamic data, the static data comprises planting area, crop species, crop seed species, geographical positions of planting areas and climate types of the planting areas, the dynamic data comprises air temperature and humidity, soil pH value, wind speed and illumination, the static data is input through a farmer client, the dynamic data is acquired through a sensor arranged in the planting areas, and the sensor periodically sends monitoring values to a planting data station.
5. The blockchain-based agricultural credit financing guarantee service platform as claimed in claim 4,
the planting data station runs with an authentication model, the authentication model calls static data input by a farmer and establishes encryption communication with a trading market to obtain a farmer seed purchase record, if a planting area crop seed variety input by the farmer is matched with the seed purchase record recorded by the trading market, the authentication is passed, otherwise, the corresponding static data is deleted and the farmer is required to submit the corresponding static data through a notarization place;
the business data station is further arranged at the government of the villages and towns, the distinguishing model calls the planting areas of all the farmer famous planting areas in the villages and towns, the planting areas are compared with the total planting areas of the villages and the towns, if the difference is smaller than a preset threshold value, the planting areas of all the farmer planting areas are distinguished to pass, otherwise, corresponding static data are deleted, the farmer is required to request the area of the village and town government organization planting areas to be input into the corresponding business data station, and the total planting areas of the villages and the towns are provided to the business data station by the government of the villages and the towns.
6. The block chain-based agricultural credit financing guarantee service platform as claimed in any one of claims 1 to 3,
the planting data station and the service data station both comprise a data storage module and a data evidence storage module, the service data station is associated with a service type, a service participant and a time stamp for service data, the data storage module is provided with a plurality of data tracks, the data tracks adopt a sequential storage structure, the planting data station randomly selects one data track for storage after associating a planting area identifier with the planting data and the time stamp, the service data station randomly selects one data track for storage after associating the service type, the service participant and the time stamp for the service data, the data storage module establishes evidence storage points on each data track in a first period, the evidence storage points occupy a storage space with a preset length, hash values of data in the last evidence storage point and data between the two evidence storage points are extracted together to serve as data hash values and are stored in the latest evidence storage points, and the data evidence storage module extracts the hash values of the data hash values in the latest evidence storage points of all the data tracks together in a second period to serve as evidence storage hash values, uploads the evidence storage hash values to the block chain for storage, and obtains corresponding block heights and block hash values to store the block heights and the block hash values in the latest evidence storage points of all the data tracks.
7. The blockchain-based agricultural credit financing guarantee service platform as claimed in claim 6,
the data storage module is also provided with backup tracks, the backup tracks correspond to the data tracks one by one, when the data tracks establish the evidence storage points, the backup tracks synchronously establish identification points and copy the data between the two latest evidence storage points of the data tracks between the two corresponding identification points;
the data evidence storing module cuts the data between the two identification points of the backup track into subdata according to a preset length, the hash value of the data between the two latest identification points of the backup track is recorded as an identification hash value, and the data evidence storing module exchanges subdata between the backup tracks so that the tail N bits of the identification hash values of all the exchanged backup tracks have the same value.
8. The blockchain-based agricultural credit financing guarantee service platform as claimed in claim 6,
and the N has an initial value, if the data storage module finishes the sub-data exchange within the preset time, adding 1 to the value of the N, carrying out the sub-data exchange again until the total time of the sub-data exchange is over a preset threshold value, if the N is still the initial value within the preset time and the sub-data exchange is not finished, cutting all the sub-data into smaller sub-data, re-exchanging the sub-data and re-timing, and when the sub-data is obtained by cutting off every time, re-assigning the value of the N to be the initial value.
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